Why should I choose a Financial Adviser?

Because we do this every day.

What do you mean ‘this’? What do you actually do?

‘This’ means helping you to get your money into good shape, to be financially ready for the future.

We are objective about your finances and that helps us to guide you. We can identify gaps in your planning and give you practical ideas to bridge those gaps. We can help you think about your future so that you can start to build towards it. We also act as a coach to help and encourage you. Once we know you, we can also help with day to day financial questions when they come up.


Let’s just look at those parts of what we do in a bit more detail:
We are objective about your finances and that helps us to guide you.
Have you ever listened to a friend talk about a problem they are facing, and been able to see the solution before they can? You care about your friend, so you listen, but your thoughts are clearer because you aren’t absorbed by the issue in the same way they are. That makes it easy for you to help.

That’s what we do. Only we’ve dealt with similar issues hundreds of times. We listen and help you identify the priorities, then we can suggest what to do.

We can identify gaps in your planning and give you practical ideas to bridge those gaps.

With over 30 years financial planning experience between the two advisers in our company, we know how to read your current financial circumstances. We can spot where there are things that need to be considered and we have experience to know what solution works well.
We can help you think about your future so that you can start to build towards it.

At the start of your thought processes into sorting out your money, we think the future can feel like a scary lump of ‘I can’t even think about this’. If this is how you feel right now, you might be thinking about leaving it a while before you contact a financial adviser. We advise you to chat to us today anyway, because I bet we can help more than you think.
We also act as a coach to help and encourage you.

Financial Planning is generally about tomorrow, and tomorrow has to compete with today’s demands on your planning and on your money. Sometimes our job includes encouraging you to keep that long-term view in mind. Like any coach, we’re helping you do something you know you should do, but might need help beginning.

Once we know you, we can also help with day to day financial questions when they come up.
Our customers tell us that it really helps to have us on hand when questions come up, for example when their employer offers a new pension or changes the original scheme. We can help and resolve those questions quite easily once we know you.

What if I don’t choose a financial adviser?

You could google your way through the process and get somewhere. That’s an alternative if you don’t want to involve anyone else and if you want the lowest cost solution.

But is that cost really worth your time?
Maybe you could buddy up with a friend and be a coach to each other? I think that the discipline of discussing your plans with someone else – saying it out loud or writing it down – is an important part of financial planning, so a buddy could work for you if you have time to research, time to devote to each other and want a low cost option.
It is a great start, but it only gets you so far.

At Parsonage we encourage you to get tailored financial advice from a friendly, personable IFA chartered company with nine years’ experience helping people just like you.

We’d always recommend getting proper support and advice over going it alone.
But please do something!

Either may work for you, but if you’re ready, we’re here to support you. Call us today to find out more.

 

Here's a little more information about our team:

Q: Qualifications Include

A: My degree in modern languages included a module on economics and personal finance, and that's how I got into financial planning.

Since then, I've become dual qualified as both a Certified Financial Planner and a Chartered Financial Planner, including the specialist qualifications in Tax & Trusts (G10) and Pensions (AF3/G60).

The full list is:

AF3 - Pensions (CII) (I did that to totally update my pension knowledge, as I had done G60 in 1994.)
K10 - Retirement Options (CII)
K20 - Pensions Investment Options (CII)
G20 - Personal Investment Planning (CII)
Chartered Financial Planner (CII)
ER1 - Equity Release (CII)
HR1 - Home Reversion Plans (CII)
G10 - Taxation and Trusts (CII)
CFP - Certified Financial Planner Licence (IFP)
H15 - Supervision and Sales (CII) 

In November 2016 I added the STEP (Society of Trust and Estate Practicioners) Certificate for Financial Services.

Q: Do your clients have anything in common with each other?

A: They are all lovely and there are a few similarities in their aims that I've noticed. 

Many of my clients want to do more than just meet their own needs. They also see themselves as custodians of their money for the next generation or for other beneficiaries. 

In other cases, their aim is to manage their wealth efficiently during their lifetime, with the aim of spending it all… but minimising tax on the way there.

Q: What type of work do you enjoy most?

A: I do get a real sense of satisfaction from the work with those clients who engage me to manage the needs of two generations of the same time. That can be 'just' a long-term and balanced investment strategy or it can be trust planning and estate planning to avoid paying too much Inheritance Tax.

Q: Where would you be right now if you weren't at work?

A: In the Lakes

Q: In the film of your life, who would play you?

A: In my head, it's Uma Thurman, but I expect they would approach 'Nursey' from Blackadder II.

Q: Curry or Hot Pot?

A: Agh, too difficult. Curry.

Q: Sherbert or Chocolate?

A: Chocolate

Q: Lawn or Flowers?

A: Lawn

Q: What are you most likely to do whilst being 'on hold'?

A: Infuriate my colleagues by opening conversations then cutting off their reply when my call is answered.